Contractor Insurance

As a professional contractor, you provide quality services to commercial and residential customers in Tennessee.

Whether you work directly or as a subcontractor working through a general contractor or construction manager, it’s critical to have insurance to protect you, your business, your employees and your clients.

We offer a comprehensive Tennessee contractor insurance and contractor bond program for residential and commercial building trades:

  • Premises – Operations
  • Products and Completed Operations
  • Premises – Medical Payments
  • Contractual Liability
  • Personal and Advertising Injury
  • Damages to Premises Rented to You
  • Automatic Coverage – New Business
  • Per Project Aggregate Limit – available
  • Loss of Income
  • Business Personal Property
  • Peak Season Coverage
  • Water Back-Up, Sump Pump Overflow
  • Equipment Breakdown
  • Outdoor Signs
  • Glass
  • Employee Dishonesty
  • Ordinance or Law Coverages
  • Employee Benefits Liability
  • Business Auto
  • Hired / Non-owned Auto Liability
  • Workers Compensation
  • Bonds
  • Installation Floater
  • Builders Risk
  • Contractors’ Equipment
  • Mobile Equipment
  • Contractors’ Equipment Rental Reimbursement
  • Contractors’ Equipment borrowed, leased or rented from others
  • Computers, EDP equipment, data and media
  • Accounts Receivable
  • Valuable papers and records

Plus Pak Endorsement Available for Property:

  • Accounts Receivable – $250,000
  • Attached Outdoor Signs – included
  • Change in Temperature or Humidity – $50,000
  • Debris Removal – $50,000
  • Detached Outdoor Signs – $10,000
  • Electronic Data Processing Equipment & Software – $25,000
  • Employee Theft – $5,000
  • Extra Expense – $25,000
  • Fine Arts – $25,000
  • Fire Department Service Charge – $250,000
  • Fire Extinguisher System Recharge Expense – no dollar limitation
  • Forgery or Alteration – $5,000
  • Lock Replacement – $2,500
  • Money and Securities – $5,000
  • Newly Acquired or Constructed Property – up to $1,000,000 building / up to $500,000 personal property (30 days)
  • Off-Premises Utility Failure – Water supply, communication supply, or power excluding overhead lines
  • Ordinance or Law
  • Outdoor Fences – included
  • Outdoor Property – $10,000 ($500 limit per tree, shrub or plant
  • Peak Season – 80% coinsurance required (increased to 50%)
  • Personal Effects – $25,000
  • Property of Others – $25,000
  • Pollutant Clean Up and Removals – $25,000
  • Portable Tools – $25,000 ($5,000 limit to you or any employee)
  • Premises Boundary – 1,000 feet
  • Property at Fairs or On Exhibition – $50,000
  • Property in Transit in or on a Vehicle Owned, Leased or Rented by Insured – $25,000
  • Property in Custody of Sales Representative – $25,000
  • Property Off Premises – $100,000 (up to 90 days)
  • Rewards – $25,000
  • Spoilage – $10,000
  • Valuable Papers and Records (other than electronic data) – $250,000

Plus Pak Endorsement Available for Liability:

  • Broadened Supplementary Payments – $1,000 bail bonds; $300/day other expenses
  • Building Owner as Additional Insured – may be added at no charge
  • Damage to Premises Rented to You – $300,000
  • Extended Non-owned Watercraft – up to 51 feet
  • Stop Gap Liability
  • Voluntary Property Damage – $2,500
  • Bodily Injury Redefined – includes mental anguish
  • Liberalization Clause – included

Affordable Insurance Coverage

Our specialty business insurance coverage offers convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments (10 payments)
  • Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer — $1 fee per installment
  • Online or by phone — $7 fee per installment
  • Charge to credit card — $7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package. Call or email Kevin Morency today and receive a quick turnaround on your quote. Note: Some payment options may not be availab

Please call (615-452-4532) or email Kevin Morency or Rebecca Morency if you have any questions or to set up an appointment for a free comprehensive review of your insurance. By taking the time to discuss your needs, we can tailor an affordable business insurance solution that provides the coverages you need to protect your business.